Women in Transition



Navigating the loss of your spouse is incredibly difficult. We have helped many of our clients travel this road through providing support, guidance, education and financial advice as needed.



We want to help you obtain a fair settlement and then make the most of your financial situation going forward. As a Certified Divorce Financial Analyst (CDFA®), Melissa Stewart, can work side-by-side with your attorney to help optimize your financial outcome.

Comprehensive Financial Planning

Everything starts and is coordinated through our financial planning process. In order to optimize your financial situation, we first have to understand it and that happens through our four-step advisory process.

Tax Minimization

No one wants to pay more in taxes. We actively look to minimize your taxes in coordination with your tax advisor or CPA

  • Maximizing your deductions
  • Gifting Strategies
  • Coordinate employer provided retirement accounts, HSA, stock options, and deferred compensation plans
  • Partner with your tax advisor or CPA coordinate strategies if desired

Investment Strategy

*Historically institutions have been able to outperform the average investor. As such, we take an institutional approach when is comes to managing your investments.

  • Risk Assessment:  We will actively discuss your investment objectives, risk tolerance and time horizons to determine an investment strategy that is appropriate for you. Much of this is completed during our Financial Planning discussions.
  • Four Step Process: Once we have completed your risk assessment we will implement our four-step investment process.
  • Investment Expenses: We look to keep investment costs low while also maximizing your investment returns.

Planning for Women in Transition

Life rarely ever goes planned, but it doesn’t mean you can’t make the best of your financial situation. Our financial advisor specializes in helping women during their transition periods. Whether you’re newly married, divorced, starting a family, or lost your spouse, we can help you understand your new financial circumstances and create a plan that allows you to have the future you want and deserve.

Major Life Events Can Derail Your Financial Goals

You may have been working toward your goals until something happened that change the direction you were going. Divorce, the death of a spouse, and even a change of employment can seriously derail your financial goals. We’re here to help you with your planning needs to ensure you can meet your financial objectives and enjoy the lifestyle you envisioned.

FAQs about planning for Women

What Do I Need to Do with My Finances When My Spouse Dies?
When one spouse dies, the transition to handling finances alone can make a difficult time even harder. It’s really important that you get access to the assets and bank accounts after your spouse’s death, especially if they were previously in charge of finances. We can help you understand your new financial situation and make recommendations for your future financial plans.

How Does a Financial Advisor Help during Divorce?
It’s difficult to make good financial decisions when you’re in the middle of a divorce. Working with a financial advisor offering transition services can help you better understand the complexity of the financial aspects of your divorce. You may not fully understand the importance or value of the assets you own together. Having a financial advisor can help give you clarity and provide you with some direction for your negotiations during the divorce proceedings.

How Can I Reach My Financial Goals after a Divorce?
Women often have a harder time financially after a divorce, especially if they’ve been taking care of the household and children. You can make a difference for your financial future, even after the financial turmoil of a divorce. Our financial advisors will sit down with you, discuss your current situation, and create a plan for your future.

We Can Help You with Your Financial Plans

Women in transition phases have more complex financial needs. We’re here to help you understand your new financial circumstances and to create a plan that allows you to work toward your future goals. Reach out today to schedule an appointment and take control of your future.

Source: *The Average Equity Investor and inflation data comes from “Dalbar's 22nd Annual Quantitative Analysis of Investor Behavior (QAIB) study”. Average Equity Investor performance is calculated using results supplied by the Investment Company Institute. Investor returns are represented by the change in total mutual fund assets after excluding sales, redemptions, and exchanges. Results capture realized and unrealized capital gains dividends, interest, trading costs, sales charges, fees, expenses, and other costs. Dividends are not guaranteed, and a company's ability to pay dividends may be limited. Fund Sponsors, data for the participants in the peer groups come from four primary sources; Callan clients, BNY Mellon, Investorforce and Callan non-clients. The Total Fund Sponsor Database consists of return and asset allocation information for Corporate Pensions Funds, Endowment/Foundation Funds, Public Funds, and Taft-Hartley Funds. The Public Fund Sponsor Database consists of return and asset allocation information for public pension funds at the city, county, and state level. The Corporate Fund Sponsor Database consists of return and asset allocation information for a wide variety of corporate pension funds. The Endowment/Foundation Fund Sponsor Database consists of return and asset allocation information for endowments and foundations. The Taft-Hartley Fund Sponsor Database consists of return and asset allocation information for Taft-Hartley union pension funds.

Have a Question?

Thank you!